Hernan Gonzalez
Managing Director, Private Wealth Management, Portfolio Manager
Phone:
(305) 347-2028(305) 347-2028
Anna Sobczyszyn Abraham
Financial Advisor,
Financial Planning Specialist
Direct:
(305) 347-6271(305) 347-6271
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
As a Financial Advisor within the Convirtus Group at Morgan Stanley Private Wealth Management's Miami office, Anna Sobczyszyn Abraham focuses on building comprehensive financial plans and investment portfolios for a select group of individuals. With her Financial Planning Specialist designation, Anna works primarily with high-net worth individuals, corporate executives, tech entrepreneurs & co-founders, and women going through significant life transitions.
Anna graduated summa cum laude from Florida International University, where she received a Bachelor in Finance. She holds Series 7 and 66 licenses, passed Level I and Level II of the CFA curriculum, and is a CFA Level III Candidate. She is fluent in English, Spanish, and Polish.
Outside of work, Anna enjoys outside activities such as traveling and sports, specifically tennis.
Anna graduated summa cum laude from Florida International University, where she received a Bachelor in Finance. She holds Series 7 and 66 licenses, passed Level I and Level II of the CFA curriculum, and is a CFA Level III Candidate. She is fluent in English, Spanish, and Polish.
Outside of work, Anna enjoys outside activities such as traveling and sports, specifically tennis.
Securities Agent: SD, MI, PR, AL, PA, NY, MA, DC, VI, NV, NJ, MD, FL, NE, CA, DE, WY, TX, CO, VA, NC, GA, SC, OH, IL, CT, MT; General Securities Representative; Investment Advisor Representative
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
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Venture Capital, Investors, & Law FirmsYour Guide to Life & Money
Navigate life milestones with confidence.
How much of your savings should you be investing? Should you share your finances with a significant other? How do you know when you're ready to buy a home, or start a business? If you're wrestling with some of these questions, the Playbook: Your Guide to Life & Money may have the answers you're looking for.
The "Playbook: Your Guide to Life & Money" is a content series focused on providing highly actionable insights and advice that covers 10 major life milestones. Filled with articles, checklists, interviews, and helpful tips, the Playbook aims to empower you with the knowledge and tools needed to help achieve your goals: whether it's buying a home, starting a family, pursuing a passion, or giving back.
Money is often considered a taboo topic, but it shouldn't be. When managed intelligently, wealth can be a powerful tool for impact. We created the Playbook as a resource to help you navigate the road ahead and explore new horizons with confidence.
To learn more about the Playbook and other resources available to help you navigate various life milestones, please reach out to our team.
Saving is not just about retirement. It's about creating a plan to help finance your dreams–big ones like selling your home and retiring on a yacht in the South of France, but also shorter-term aspirations like adopting a pet or buying your first car. Regardless of your age, retire the notion that it is still too early to save, and start saving early so you will have the freedom to enjoy your future in style.
The answer to this question is complicated, and it can vary based on the family or couple involved. Before making such an impactful decision, however, it's important to be armed with all facts. We talked to Glenn Kurlander, Head, Family Governance, Wealth Education at Morgan Stanley Wealth Management and family wealth expert, to help inform you on this delicate matter.
How the power of time can help savvy young investors grow an impressive portfolio.
Whether you're applying for a mortgage, purchasing car insurance, or signing up with a new Internet provider, you will inevitably be asked about your credit. Understanding how this number is calculated and how to establish a healthy credit score early on in life can help increase your financial freedom and purchasing power in the future.
Insights for Market Research
I am here to help you navigate the current market environment and what it means for portfolios. These are some resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
On the Market
Market Insights available to help articulate the capabilities of Morgan Stanley as the destination of choice for latest on the market.
Global Investment Committee Weekly Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Investment Research
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
International Wealth Management Resources
International Wealth Management was founded on the promise of doing first-class business in a first-class way. We remain proud of our value proposition and are deeply committed to delivering a comprehensive wealth management offering to our clients. We serve among the world's most capitalized institutions, and stand as one of the largest wealth management firms in the world.
Location
200 S Biscayne Blvd
Ste 1100
Miami, FL 33131
US
Direct:
(305) 347-6271(305) 347-6271
Meet My Team
Francisco Montes
Managing Director, Private Wealth Management, International Client Advisor
Phone:
(305) 347-2070(305) 347-2070
Jose Arredondo
Senior Vice President, Private Wealth Advisor, International Client Advisor
Phone:
(305) 347-2015(305) 347-2015
Francisco Carrera-Justiz
Managing Director, Private Wealth Management, International Client Advisor
Phone:
(305) 347-2060(305) 347-2060
Carlos Uscategui
Assistant Vice President, Wealth Management Associate
Phone:
(305) 347-2036(305) 347-2036
Silvania Rodrigues
Group Director
Phone:
(305) 347-2052(305) 347-2052
Cristina Palenzuela
Senior Registered Associate
Phone:
(305) 347-6292(305) 347-6292
Alessandra Merino
Senior Client Service Associate
Phone:
(305) 347-6283(305) 347-6283
Camila Fernandini
Registered Associate
Phone:
(305) 347-2051(305) 347-2051
Yeimi Marfil
Registered Client Service Associate
Phone:
(305) 347-2084(305) 347-2084
About Hernan Gonzalez
Hernan Gonzalez is a Managing Director in Private Wealth Management at Morgan Stanley and has a 29 year career in Finance. Before Morgan Stanley, he worked for 15 years as a Director in Private Banking at Credit Suisse USA, covering Ultra-High Net Worth family groups in Latin America. At CS, he received the Chairman's Club Award for 8 consecutive years. Previously, Hernan worked for 8 years as Vice President in Investment Management at Goldman Sachs, covering Ultra-High Net Worth families and Institutions. His previous experience includes working as Trader for Manufacturers Hanover Trust and as Credit Analyst at Chase Manhattan Bank in Argentina.
Hernan obtained his MBA in Finance from The Wharton School of Business, University of Pennsylvania, in 1993. In 1989, he graduated with a BSc in Business Administration from Universidad Católica Argentina. Hernan is married and has 5 children.
Hernan obtained his MBA in Finance from The Wharton School of Business, University of Pennsylvania, in 1993. In 1989, he graduated with a BSc in Business Administration from Universidad Católica Argentina. Hernan is married and has 5 children.
Securities Agent: WY, VI, VA, TX, SC, SD, PR, PA, OH, NY, NV, NJ, NC, MI, IL, MD, DC, DE, FL, CT, MA, CO, GA, CA; General Securities Representative; Investment Advisor Representative
About Francisco Montes
Francisco Montes is a Managing Director in the Private Wealth Management division at Morgan Stanley and has a 27 year career in Finance. Francisco joined Morgan Stanley after 24 years of experience managing wealth for Ultra-high net worth individuals at Credit Suisse and Goldman Sachs & Co. Similar to Hernan, Francisco also received the Chairman’s Club Award for 8 consecutive years at Credit Suisse. His previous experience includes working as a consultant for McKinsey & Co. in Spain, as a systems Engineer for IBM and as an account officer for Banco Sudameris in Argentina.
Francisco obtained his MBA in Finance from Wharton School of Business, University of Pennsylvania ,in 1992. Previously, he obtained his Accounting Degree (CPA) from Catholic University of Argentina. Francisco is married and has 2 children.
Francisco obtained his MBA in Finance from Wharton School of Business, University of Pennsylvania ,in 1992. Previously, he obtained his Accounting Degree (CPA) from Catholic University of Argentina. Francisco is married and has 2 children.
Securities Agent: WY, VI, VA, TX, SD, SC, PR, PA, OH, NY, NV, NJ, NC, MI, MD, IL, MA, GA, FL, DE, DC, CT, CO, CA; General Securities Representative; Investment Advisor Representative
About Jose Arredondo
Jose Arredondo is a Senior Vice President at Morgan Stanley and has over 30 years of experience in the financial industry. Before joining Morgan Stanley Private Wealth Management, Jose was a Director for Credit Suisse in the US Covering Ultra-High Net Worth families in the Andean Pact and Caribbean Region for 17 years. Previously, Jose worked 9 years at Atlantic Security Bank and 9 years at Chase Manhattan Bank. His experience includes wealth management, Corporate Banking, Investment Banking and Treasury.
Jose obtained his MBA in Finance from Wake Forest University. Previously, he graduated as an Industrial Engineer from Universidad Católica de Peru.
Jose is married and has 3 children.
Jose obtained his MBA in Finance from Wake Forest University. Previously, he graduated as an Industrial Engineer from Universidad Católica de Peru.
Jose is married and has 3 children.
Securities Agent: VI, VA, TX, SD, SC, PR, PA, NY, WY, NV, NJ, NC, MI, MD, MA, IL, GA, FL, DE, DC, CT, OH, CA, CO; General Securities Representative; Investment Advisor Representative
About Francisco Carrera-Justiz
Francisco Carrera-Justiz is a Managing Director in Morgan Stanley Wealth Management focusing on the Latin America and Caribbean Region. He joined Morgan Stanley in March, 2016 after having served as Director at Credit Suisse Securities USA for 17 years. Francisco helped develop the Latin America Private Banking business while at Credit Suisse. Prior to that, Francisco worked with Chase Manhattan Bank for 9 years at the Private Bank in New York, Geneva and Miami. Francisco is a graduate of the Chase Management Training Program in New York in 1990 and received his Business degree from the AB Freeman School of Business at Tulane University. Francisco serves as a member of the Board of Directors of Bacardi Ltd., a private held family spirits company.
Securities Agent: KS, VI, NY, GA, CT, CO, DE, SC, OH, MI, MA, DC, PR, SD, FL, MD, NV, NC, VA, NJ, IL, TX, PA, WY, CA; General Securities Representative; Investment Advisor Representative
About Carlos Uscategui
Carlos joined Morgan Stanley International Wealth Management in 2016 after spending 3 years with Credit Suisse Securities and 3 years with JPMorgan Chase & Co. Carlos received his B.S. in Finance from the University of South Florida and his M.S. from Boston University. Carlos assists the team with equities and fixed income trading; as well as the devise, implementation, and monitoring of investment portfolios that include equities, fixed income and alternative investments. Carlos holds Series 7 and 66 licenses.
About Silvania Rodrigues
Silvania has been with the team for over 20 years and has over 25 years of experience in the industry. She is an essential bridge between Advisor, Clients and the Client Service Associates. Prior to joining Morgan Stanley, she was an Assistant Vice President at Credit Suisse for over 15 years. Between 1996 and 2001 she assisted High Net Worth Clients in Latin America at Goldman Sachs.
Silvania obtained her associate degree from Nassau Community College in Long Island New York and is fully registered.
Silvania obtained her associate degree from Nassau Community College in Long Island New York and is fully registered.
About Cristina Palenzuela
Cristina is a Senior Registered Associate in Morgan Stanley International Wealth Management. She joined Morgan Stanley in February 2016 after spending 12 years at Credit Suisse Securities. Cristina has been a member of the Carrera-Justiz team since October 2012. She began in the financial service industry as an operations analyst in 2005 for Credit Suisse Securities. Prior to joining Morgan Stanley, she was an Assistant Vice President at Credit Suisse. Cristina obtained her associate degree from Miami Dade College. Cristina holds Series 7, 63 and 65 licenses.
About Alessandra Merino
Alessandra Merino is one of our Client Service Associates for the team. She graduated with a Bachelor in Finance from Florida International University in 2012. Alessandra holds Series 7 License.
Alessandra manages an extensive range of operational and client service functions. She ensures smooth onboarding process for new clients and provides an outstanding service experience related to account maintenance and client’s daily requests.
Alessandra has over 12 years of industry experience. Previous to Morgan Stanley, she worked at Credit Suisse as a Relationship Associate, EFG Capital as an Institutional Sales Assistant and at Macquarie Capital as a Middle Office/Operations associate.
Alessandra is fluent in English and Spanish.
Alessandra manages an extensive range of operational and client service functions. She ensures smooth onboarding process for new clients and provides an outstanding service experience related to account maintenance and client’s daily requests.
Alessandra has over 12 years of industry experience. Previous to Morgan Stanley, she worked at Credit Suisse as a Relationship Associate, EFG Capital as an Institutional Sales Assistant and at Macquarie Capital as a Middle Office/Operations associate.
Alessandra is fluent in English and Spanish.
About Camila Fernandini
Camila Fernandini is one of our Client Service Associates for the team. She graduated with a Bachelor’s degree in Communication Studies and a minor in Business Administration from Northeastern University in Boston. She holds Series 7 & Series 66 Licenses.
Camila is responsible for execution of orders in brokerage and advisory accounts which involves trading equities, options, fixed income, and mutual funds products. She develops presentation materials and proposals to assist Private Wealth Advisors in servicing their clients. She also provides clients with market and stock research with a primary focus on alternative investments.
Previous to Morgan Stanley, she worked at Merrill Lynch as a Private Wealth Associate.
Camila is fluent in Spanish and English.
Camila is responsible for execution of orders in brokerage and advisory accounts which involves trading equities, options, fixed income, and mutual funds products. She develops presentation materials and proposals to assist Private Wealth Advisors in servicing their clients. She also provides clients with market and stock research with a primary focus on alternative investments.
Previous to Morgan Stanley, she worked at Merrill Lynch as a Private Wealth Associate.
Camila is fluent in Spanish and English.
About Yeimi Marfil
Yeimi Marfil is one of our Client Service Associates for the team. Yeimi graduated from Miami Dade College in 2013. Yeimi holds Series 7 & Series 66 Licenses.
Yeimi manages wide range of administrative duties including but not limited to account openings, wire and security transfers, and provides support with the Morgan Stanley digital platform. Yeimi also assists in processing trade requests.
Yeimi has over 8 years of industry experience. Prior to joining Morgan Stanley, she worked at Wunderlich Securities as a Client Service Associate and at Capital Guardian LLC as an Operations Specialist.
Yeimi is fluent in English and Spanish.
Yeimi manages wide range of administrative duties including but not limited to account openings, wire and security transfers, and provides support with the Morgan Stanley digital platform. Yeimi also assists in processing trade requests.
Yeimi has over 8 years of industry experience. Prior to joining Morgan Stanley, she worked at Wunderlich Securities as a Client Service Associate and at Capital Guardian LLC as an Operations Specialist.
Yeimi is fluent in English and Spanish.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Anna Sobczyszyn Abraham today.
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
